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Global economy prepares for the Trump ‘macro shock’

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Tugboats guide the Maersk Atlanta container ship at the Port of Newark in Newark, New Jersey, US

Donald Trump’s election victory has sent a shudder through Europe and Asia as policymakers and executives digested the implications of a US-led lurch towards protectionism.

Europe’s export-oriented countries — led by the region’s largest economy, Germany — are heavily exposed to the US president-elect’s claims that he would tighten trade restrictions and loosen security ties with the US’s allies.

Moritz Schularick, president of the Kiel Institute for the World Economy, described a second Trump presidential term as “the most difficult economic moment” in Germany’s postwar history.

Berlin was “not prepared” to deal with the challenges both in foreign trade and security policy that it will soon face, he said, adding that it would now need to “invest massively” in defence capabilities.

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The repercussions for the global economy are neither immediate nor straightforward, however.

Many analysts expect the next president’s vow to make his 2017 tax cuts on corporates and the wealthy permanent to initially boost growth. “Fiscal stimulus might dominate and be a small positive” in the near term, said Innes McFee at Oxford Economics.

US equity markets surged to an intraday high after Trump’s decisive victory, as investors focused on the prospect for lower corporate taxes and deregulation.

If Trump carries through his plans for higher tariffs — 20 per cent for exporters outside China, where a 60 per cent levy could be imposed — it would raise the prospect of tit-for-tat trade measures that would derail trade. But it will be many months before the details of Trump’s trade policy comes into view.

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“The rest-of-world impact is dominated by what the eventual tariff regime is going to look like,” McFee said.

Tugboats guide the Maersk Atlanta container ship at the Port of Newark in Newark, New Jersey, US
Stocks in global shipping companies dipped on Wednesday in the aftermath of the Trump presidential win © Michael Nagle/Bloomberg

Peter Sand, chief analyst at Xeneta, said he expected shipping rates to soar as companies rush to send goods to the US ahead of the president-elect’s inauguration on January 20.

“The knee-jerk reaction from US shippers will be to front-load imports before Trump is able to impose his new tariffs,” Sand said. “If you have warehouse space and the goods to ship, front-loading imports is the simplest way to manage this risk in the short term — but it will bring its own problems.”

In a sign of the longer-term pressures a US lurch towards protectionism augurs, stocks in global shipping companies dipped on Wednesday.

Shares in Maersk, the world’s second-largest container shipping group, fell 7.6 per cent while Hapag-Lloyd was down by 5.8 per cent by noon.

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Modelling from the IMF points to a wider economic hit if Trump’s threatened tariffs target a “sizeable swath” of global trade.

The tariffs — alongside the rest of his economic agenda of tighter migration rules, extended US tax cuts and higher global borrowing costs — would erase 0.8 per cent from economic output next year and 1.3 per cent in 2026, the fund said last month. 

Krishna Guha, vice-chair at Evercore ISI, said he expected the Trump “macro shock” would have sharply diverging implications for the global economy, with the US experiencing higher prices and growth while other countries suffered disinflation and a dip in output.

Hildegard Müller, head of a trade body representing Germany’s struggling car sector, said the pressure on manufacturers to relocate production from Europe to the US would be “enormous”.

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Michael Hüther, president of the Cologne Institute for Economic Research, said German companies should “brace for a costly trade war as of today”.

Ireland, home to the European headquarters or large operations of major US tech and pharma companies, also has an outsized trading relationship with the US. 

“This is a really big issue for the Irish economy,” said Dan O’Brien, chief economist at the Institute of International and European Affairs. He added that the imposition of across the board tariffs was “the biggest near-term risk” for the Irish economy. 

Europe as a whole appears acutely vulnerable, with the US accounting for a fifth of the bloc’s total exports last year, according to Eurostat data. At €502bn, EU exports were 46 per cent larger than the region’s imports of US goods.

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Trump’s tariffs would hit an “already fragile Eurozone economy”, ABN Amro economists warned, with “the downside risks” to growth and inflation having significantly increased.

The outcome would be lower interest rates in the region — and a bigger gap between borrowing costs in the currency bloc and the US.

While most European shares lost ground, Austria’s Raiffeisen Bank International, which remains the largest western lender still operating in Russia, was the best performer on the Euro Stoxx banks index, up more than 6 per cent. During the campaign Trump repeatedly claimed he could quickly end the war in Ukraine.

The implications elsewhere will depend on how far Trump goes in pursuing his anti-globalisation agenda.

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Asian exporters are exposed to higher trade barriers, with China’s already-weak economy set to suffer acutely if Trump goes ahead with plans to impose a 60 per cent levy on all Chinese exports to the US.

Analysts at Citigroup argued that the 60 per cent China threat feels more like a “bargaining chip” than a real risk.

Mexico, which has overtaken China as the biggest exporter to the US, is also vulnerable despite a free trade deal inked with the US and Canada during Trump’s first term.

He has vowed to impose tariffs — including a 200 per cent levy on cars imported from Mexico — unless its southern neighbour curbs the flow of migrants across its border.

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Japanese automaker Honda warned on Wednesday of an “extremely big impact” on its exports to the US from Mexican plants should Trump follow through on that pledge.

For America’s trading partners, the immediate prospect is an extended spell of heightened uncertainty, as the world’s most important economy undergoes a historic regime shift. 

“Trump remains unpredictable and erratic,” said Holger Schmieding, economist at Berenberg Bank. “We thus cannot really gauge which of his often grandiose and not always consistent campaign promises he would actually implement.”

Additional reporting by Laura Pitel in Berlin, Jude Webber in Dublin and Kana Inagaki, Daria Mosolova and Mari Novik in London

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Data visualisation by Patrick Mathurin and Janina Conboye

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Harris calls Trump to concede US presidential election

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Harris calls Trump to concede US presidential election

Democratic vice-president expected to speak publicly in Washington later on Wednesday

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Pensions and Protection Podcast: Why Income Protection Matters for Clients

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Pensions and Protection Podcast: Why Income Protection Matters for Clients

Join Digital Content Manager Kimberley Dondo as she speaks with Shelley Read, Senior Protection Technical Manager at Royal London, on everything income protection (IP). Shelley answers key questions: What exactly is IP? Why is it critical for financial resilience? And how can advisers ensure clients are properly covered? From navigating underwriting to understanding client needs, this episode covers practical guidance for advisers on IP and reducing the risk of unpaid claims. In association with Royal London, tune in to explore how IP can safeguard lifestyles against income loss.

And if you’d like any further resources or support to help grow your business and deliver value for your clients, visit: adviser.royallondon.com/PeoplePowered

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German chancellor Olaf Scholz sacks his finance minister

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German chancellor Olaf Scholz sacks his finance minister

Departure of Christian Lindner marks the end of the country’s unpopular coalition government

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Four cash-saving ways to stop household essentials from cleaning out your wallet

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Four cash-saving ways to stop household essentials from cleaning out your wallet

IT’S a real chore parting with hard-earned cash for everyday household essentials.

But there are ways to stop these items from cleaning out your wallet.

Four cash-saving ways to stop household essentials from cleaning out your wallet

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Four cash-saving ways to stop household essentials from cleaning out your walletCredit: Shutterstock

Here’s how to save on life’s more mundane purchases . . . 

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BULK UP: It is usually the case that buying more of an item will reduce the overall cost per unit creating savings for you. For example, a 16-pack of toilet roll usually has a lower cost per roll than when you buy a four-pack.

Get into the practice of looking at the unit cost of an item rather than the price to help compare the true value of pack sizes. You can also save five per cent by buying in bulk at Wilko.

Selected toiletries, sanitary and cleaning products are included in the offer but the amount you need to buy varies by item. In some cases you need to buy six-packs to qualify whereas others it can be eight.

READ MORE MONEY SAVING TIPS

REFILL: If you buy cleaning products that come in spray bottles, look to keep the original packaging and buy a cheaper refill when finished.

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For example, Tesco’s antibacterial cleaner refill is 75p which can be used to fill any old spray bottle you have.

SUBSCRIBE AND SAVE: You can save by signing up for repeat deliveries through Amazon.

This is also a useful way of squeezing out extra value if you’re too short on space to bulk buy. To unlock up to 15 per cent off prices of items you will need to schedule five or more deliveries or you can get ten per cent off with up to four repeat orders.

The service is available on a wide range of items including pet food and fizzy drinks, as well as household essentials.

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THE PRICE IS RIGHT: It can be worth buying more of an item when it’s on a special offer and keeping it stored away, rather than buying simply when you run out, especially if it is an item that is rarely discounted.

  • All prices on page correct at time of going to press. Deals and offers subject to availability.

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Silver Lake and Shore Capital deal creates large chain of US petcare clinics

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Silver Lake and Shore Capital deal creates large chain of US petcare clinics

Merger of Southern Veterinary and Mission Veterinary sets up group valued at $8.6bn

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The Morning Briefing: One Four Nine makes 10th acquisition; MM meets Karen Barrett

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The Morning Briefing: Phoenix Group scraps plans to sell protection business; advisers tweak processes

Good morning and welcome to your Morning Briefing for Wednesday 6 November 2024. To get this in your inbox every morning click here.


One Four Nine makes 10th acquisition

Financial advice and investment management firm One Four Nine Group has acquired Nottingham-based Castlegate Capital, marking a “crucial step” in its growth journey.

The deal is the 10th acquisition for One Four Nine Group and the first of 2024 following a significant period of focus to integrate all firms into the business fully.

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The launch in late 2023 of One Four Nine Wealth was an important moment for the evolution of the business.


MM Meets… Unbiased founder and chief executive Karen Barrett

When I enquire of Karen Barrett what she likes doing outside work, her answer is somewhat surprising: “I love knocking down walls,” writes MM editor Tom Browne.

This, it turns out, is part of a wider interest in property renovation, but her response makes a change from ‘socialising with friends’ or ‘going to the cinema’. Then again, there’s a lot about Barrett that makes her stand out.

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The founder and chief executive of Unbiased, the UK’s leading platform connecting people to financial advisers, oversees a business that works with more than 27,000 advisers and manages over £80bn in assets.


Why income protection matters for clients

Join digital content manager Kimberley Dondo as she speaks with Shelley Read, senior protection technical manager at Royal London, on everything income protection (IP).

Read answers key questions: What exactly is IP? Why is it critical for financial resilience? And how can advisers ensure clients are properly covered?

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From navigating underwriting to understanding client needs, this episode covers practical guidance for advisers on IP and reducing the risk of unpaid claims.



Quote Of The Day

While over the long-term US elections have had a minimal impact on stock markets, investors will likely see a Trump presidency as a positive for the share prices of many of America’s companies.

Lindsay James, investment strategist at Quilter Investors, comments on the news that Donald Trump has been elected as President of the US.



Stat Attack

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Families are coming together following the government’s decision to add VAT on independent school fees from 1 January next year, new research from Premium Credit’s School Fee Plan has revealed.

54%

of relatives including grandparents, aunts and uncles and siblings who currently help pay for private school fees say they have offered to increase the amount they contribute.

 36%

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say they could afford to but have not been asked.

 40%

who have grandchildren, nieces, nephews or siblings at private school but who do not currently contribute to fees say they would be willing to do so.

23%

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of private school parents receive financial help from relatives.

58%

of them say they are helped by grandparents.

34%

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said they are helped by aunts or uncles.

86%

of private school parents questioned say they will be able to continue paying fees after VAT is added.

11%

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of parents say they are considering moving jobs for higher pay.

17%

are looking to take on more work or second jobs.

12%

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Around one in eight say they will look to get their children into less expensive private schools

11%

have asked grandparents and other relatives to start helping.

14%

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have asked grandparents and other relatives to increase the amount they already give.

Source: Premium Credit



In Other News

A two-decade long freeze on the inheritance tax (IHT) allowance could cost families almost £250,000 by the end of the end of the chancellor’s tax threshold freeze, analysis from AJ Bell shows.

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The main IHT exemption, the ‘nil rate band’, has been frozen at £325,000 since 2009. Amounting to £650,000 for a married couple, assets under this threshold incur no IHT.

However, the limit last increased in 2009 and isn’t due to be lifted until April 2030, with Rachel Reeves extending the IHT threshold freeze at last week’s Budget.

Although a new exemption, the ‘residence nil rate band’ (RNRB), introduced from 2017 means a married couple can leave a combined total £1m tax free if they leave a property to their ‘direct descendants’, AJ Bell’s figures show that the overall IHT threshold would actually be higher had the main nil rate band simply been linked to inflation and the RNRB were never introduced.

The nil rate band indexed to inflation would stand at almost £555,000 by 2029/30, meaning a couple could pass on an additional £110,000 tax free. It means tax bills could be £44,000 higher per family as a result.

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But if both the nil rate band and residence nil rate band were indexed to inflation the combined total would stand at nearly £1.6m, knocking up to £234,000 off IHT bills.


Tesla and US bank stocks jump and renewables slump (Financial Times)

Brazil set to double pace of interest rate hikes amid fiscal woes (Bloomberg)

UniCredit CEO pushes merger credentials as it outperforms Commerzbank (Reuters)

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Did You See?

Advisers have expressed concerns over insurer service levels – with 28% believing they have worsened in the last two years.

The results were revealed in the Association of Mortgage Intermediaries’ latest protection report.

It found that the speed of underwriting is advisers biggest problem, with 58% raising this as an issue.

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